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Student Loan Overpayment Help!!
Hi, Im new to the forum and need to some adivce regarding an overpayment of student loans. The full story is that the student loans company have overpaid me by a huge sum to me of £2000. This was done in my first two years of university when THEY made a mistake calculating my parents income and paid me grants that i wasnt…
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Early repayment of loan
Am I correct in thinking if I repay all but 2 months worth of payments on a loan, the lender can only penalise me regarding early repayment penalties on the remaining balance once the lump sum payment has been applied to the balance?
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Student Loan question!
My partner currently receives a monthly bursary from her University(i should point out she lives and attends Uni in Scotland) can she also apply for a Student Loan?
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Making overpayments on a loan
Hi, I have a loan with First Direct, I called them to increase my monthly payments to pay off the loan quicker. They told me I'd have to cancel the loan and take a new one out. I disagreed as this would cost me more and said all I wanted to do was increase the payments. They said they do not have a facility to allow me to…
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Maximising chances of getting credit???
Hi, I am planning to apply for an £11,000 car loan next month. I have around £12,000 credit available on 3 credit cards (I have paid off all outstanding debt on the cards). Should I close these credit card accounts before applying for the loan to increase my chances of being accepted? I also owe around £1,500 on my…
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Early settlement figures - Newbie question
Hi all I've just recieved the paperwork through for a loan I've applied for. I am looking to repay the loan off early (hopefully around 6 months ish) and on the agreement I've seen some figures which baffle me. Basically, it says and so on... Now on first glance these figures are scandalous, I must be missing something?…
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Bank pays off loan by mistake
Hi newbie here, We recently got a phone call from our Bank saying they had accidentially payed money into our account in Nov. 09 approx £400 and just last month mistakely paid off our car loan which was approx. £7K. Any advice would be apprciated, we know we have to now set up another loan to continue paying off the car…
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Urgent help on repayment amount needed
Hi All, My first time posting on here so hopefully I will put all the info’ needed for some help on here at the first attempt. I took out a loan with Blackheath Loans using a guarantor in April 2008, and until recently had no problem, although their interest rate is stupidly high. I realised this at the time and appreciate…
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Loan Repayment via Credit Card?
Hi there - I'm hoping someone might be able to help with some advice...? I have an outstanding loan of just under 4k with RBS and am wondering if I can pay this off with a new credit card to take advantage of an introductory 0% offer? I had a quick chat with an advisor at RBS to get my early repayment figure and he…
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Getting Personal Loan as soon as mortgage completes
Hi All, This is the first time I'm posting on this forum, I've had a look at previous posts and couldn't find any that answered my questions. So I've got a mortgage offer from Halifax and have setup to complete later this month, I am told that the lender will do another credit check before completion so I've been careful…
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incorrect finance agreement
Hi, I have recently purchased some furniture on finance. The documents were signed and sent off and the furniture has been delivered. I have just recieved a phone call to say the agreement is incorrect and I need to sign a new one. The total cost of the furniture was £1000 and I paid £200 deposit. The original agreement…
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Picture Financial Insurance Refund
Hi everyone Quick question ... I unfortunately took out a loan with Picture a few years ago, and have found out from them that I am due a refund on my PPI as I haven't used it. I think a lumpsum this year, and a bit over the next 2 years. Has anyone else ever had this? I've just been made redundant and this money is like a…
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Turned down for a loan
This is my 1st post so please go easy! I recently applied for a loan from my bank and was turned down. I have an experian credit score of 950, however about 2 years ago i ended up in difficulties with paying an o/d due to divorce/ ill health and i have 8 missed payments against my name. I subsequently have repaid all i owe…
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How Do I Remove a Charging Order?
I have a charging order on my property. It's for an HSBC business loan which I have now paid in full. Will the HSBC remove the charging order now that the debt is paid, or will I need to do it myself?
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mall load - best options?
hi looking on some advice for borrowing - just want to see what my best option is at the moment I'm paying back a loan for my car at approx £100 a month. This runs to next summer where the outstanding balance is about £1500. unfortunately I need a repair done which will set me back about £1000 - my plan was to extend my…
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student loan September 97
Uncle Fester began his course in September of 1997. Uncle Fester was funded by part loan part grant Uncle Fester was originally paying off the loan like a good boy then went abroad and ran into trouble Uncle has not acknowledged he owes the debt for six years, not been contacted or not made a payment. Uncle Fester was…
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Young, Working and Owes Money!
Hey, I'm looking for advise mostly of where i should go and action to take with my current situation. At the moment i owe Lloyds TSB £500.00 (Overdraft), A Family member £400.00 and my ex-Girlfriend £140.00. I am Currently working taking home after tax about £800.00 i am currently living at home with parents paying £120.00…
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high street bank loan
Hi guys, I have recently been principly approved for a personal loan online with my bank nationwide and my doucments are being sent first class to me. What I would like to know is what are on these documents? Also am I right in saying a gauruntor is not required for a loan with ones bank.
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Please help me - friends loan a real problem
hI there I cannot believe what my ex best friend has done to me - we ve known each other for 24 years however since he started a relationship with a lady two years ago he has lost touch with all his friends including me. He leant me 5 years ago 47K and I have paid him back 20K already - there was no written agreement just…
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provident personal credit rebate
i have a reply from provident when i asked how the interest and rebates are calculated they state that a complex maths formulae in line with the consumer credir rebate of 2004 does anyone have this formulae and how to use it it must somewhere on the web!!! thanks
